SBI Yuva Home Loan Account

I am paying 9.4 % interest as on date for my housing loan as on date in SBI Yuva HL scheme, to avail the interest rate of prevailing 8.6%, there is charge of 10000Rs to be paid upfront , how far it is worth to pay the upfront charges and get the interest rate reduced. i am told this interest rate may drop to 8% in near future, so it may happen i will have to opt for it and pay again a sum of 10000rs as upfront charges to SBI. please share your opinion here.

during loan sanction event, for some reasons I was not able to assess and opt for MAX gain scheme in spite i availed loan of 2000000Rs, i was sanctioned with SBI YUVA HL scheme only. As on date my current outstanding is 1500000, now SBI is claiming that MAX gain is only applicable to loans of 2000000rs and above, is it valid & true

how far the moratorium period is beneficial, i have been given moratorium period of three years in spite my house was second sale and ready possession.